No problem ATM.

Can i ask, would getting a credit card for a few months improve my credit that much? if i pay off in full every month and just use it for small purchases like food etc...

example scenario: i get a credit card, pay off in full, after 3 months they increase limit, then i apply for loan? (and after 3 months, il probably have saved £2000 anyway so would only need to borrow £2k.

Suggestions?

I understand waiting another 3 months will be frustrating, but it's something i am willing to do as it will only benefit me long-term.